Date Received: 2018-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I saw my XXXX report. There was a collection item furnished by XXXX XXXX XXXX. I had received neither phone calls nor written notice of this debt owed to HSBC. I have never had any business with HSBC. This is not my debt. I called XXXX XXXX services to inform them that this wasnt my account and they proceeded to give a account number, XXXX which they obtained from HSBC, the original creditor. I reached out to HSBC and they assured me that this wasn't my account and I have ties to this account. I attached a letter from HSBC stated that I am not affiliated with this account in no fashion.
Company Response:
State: IL
Zip: 60452
Submitted Via: Web
Date Sent: 2018-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Hello, I opened a credit card account to HSBC. Account was approved. Then, I wrote a check for a balance transfer. It was first approved and then denied as it was " dishonored and returned ''. I tried to call the company and the special dept that takes care of this problems is never available or they do not respond. I tried then closing the account and they say the only one that can do that is the special department but they are unreachable. So, I have a credit card that I opened and I can't used and I can't close neither.
Company Response:
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2018-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hi, I am filing this complaint because I am not able to reach certain department of the XXXX XXXX to solve a verification issue which cause my bank account to be on hold. I received a email from the Security & Fraud Risk department asking me to call back to solve a issue, with a reference Number XXXX XXXX. I called the number according to their instructions for several times, but its impossible for me to reach this department. I had to hold for more than 2 hours once. I need access to this bank account as soon as possible. And XXXX XXXX should call me as soon as possible to solve this since they failed to provide a way of communication. My phone number is XXXX XXXX.
Company Response:
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I initiated a {$2300.00} transfer from my XXXX checking account to my HSBC checking account. On XX/XX/XXXX, unbeknownst to me, HSBC unilaterally closed all of my accounts. XXXX attempted a reversal of the {$2300.00} on XXXX, which HSBC rejected. The money was never sent to me by HSBC nor was it credited back to my XXXX account. It is now XXXX. They are telling me that they do not have my money - tough luck. XXXX tells me they have the evidence that the money was not sent back. HSBC is being very wishy-washy.
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-31
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I have been contacted several times by a company that calls themselves " XXXX XXXX XXXX '' stating that they plan on filing an action against me. They said they would be charging me with bank-fraud because I had an account with HSBC that I felled to honor a payment arrangement I made with them in XX/XX/XXXX. I explained I didn't have an account with HSBC and wanted them to stop calling me. They have called my cell and my office and have threatened to deliver a summons to my job. I asked them to immediately communicate with me in writing and asked again that the calls be stopped. They told me the calls would continue as they have for the past 2 days ( XX/XX/XXXX-XX/XX/XXXX ). I am filing an official report as my first step in pursuing legal action against them.
Company Response:
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2018-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Beneficial Mortgage is in violation of 12 CFR Part 1024 ( Regulation X ). On XX/XX/XXXX they insufficiently responded to CFPB case number XXXX in the following manner. 1- They have not explained why a wrong address and zip code was used in several documents as described in my original complaint. They did not provide a copy of the alleged tax return document they claim was used as part of the application process. 2- They have not explained how the legal description of the property that is allegedly used as security for the mortgage is not the legal description of XXXX XXXX XXXX XXXX . They reference Tax Map Number XXXX as a means of identifying said property. Tax Map Number XXXX is the same Tax Map Number used for three of my deceased parent 's properties ; all with individual deeds. It is well known a Tax Map Number is not a legal means to identify a specific property. 3- They have not explained why the account number was changed. 4- They state they erroneously provided the wrong persons credit report which was not my deceased mothers, however, they did not provide me a copy of the correct credit report. 5- They still have not explained why they have the wrong birth dates for both my deceased parents listed in the credit reports they provided. 6- They have not explained why they can not provide a copy of the appraisal for the XX/XX/XXXX mortgage they underwrote. Beneficial continues to misrepresent the facts and continues to avoid answering my QWR 's with truth and completeness.
Company Response:
State: NJ
Zip: 08085
Submitted Via: Web
Date Sent: 2018-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I initiated opening a checking account with HSBC on XX/XX/2018 through their website, which offered a {$200.00} bonus if I deposited {$1500.00} and maintained that balance for 90 days. The account was officially opened as of XX/XX/2018, and the {$1500.00} balance was credited to the account on XX/XX/2018. The {$1500.00} balance still remains in the account to date. They are refusing to pay me the bonus as offered on their website.
Company Response:
State: MO
Zip: 64131
Submitted Via: Web
Date Sent: 2018-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Reference is made to my complaint XXXX about HSBC. On XX/XX/2018, HSBC issued a letter, in which XXXX XXXX XXXX, Vice President for Customer Relations, clearly admitted fault on the part of HSBC and asked me to " expect the credit to be posted to [ my ] account by XX/XX/2018. '' A copy of the letter is included for your review. Considering your mission to have been accomplished, you immediately closed the case, simply because the company responded to my complaint. The problem with your approach is that the letter from HSBC was yet another lie and, as of XX/XX/2018, the credit was not posted to my account.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2018-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX, XXXX I opened an account in HSBC bank, XXXX branch, CA. I was told that I would receive my debit card after 2 weeks. My husband transferred me {$10000.00} from his account in another bank. We checked that money was deposited on XXXX, XXXX. After that, since I didn't receive my debit card I never logged in my account or whatsoever. On XXXX, XXXX I logged in my mobile app and realized that all {$10000.00} was gone. The activity started on XXXX, XXXX and last transaction was on XXXX, XXXX. I have never received this debit card, never activated, never knew what was going on. I immediately reported this situation to the fraud investigation department on XXXX, XXXX. They closed my card and told me that they needed to investigate this matter. I asked if I needed to do anything else, they said no. On XXXX, XXXX I called the fraud investigation department to find out the case status and was told that I should have filed a police report and USPS claim about mail theft. One more time, on XXXX, XXXX I was told that I didn't have to do anything. Besides that, the person I was talking to thought that only several transactions were fraudulent, not the entire activity with the account. On XX/XX/XXXX I called the investigation department to provide with the police report number and they told me that I need to give them the detective 's number and his contact information as well. So I gave them police report number and said that would call later with additional information. On XXXX, XXXX I called the investigation department to give the contact information of the detective who's been assigned to my case and found out that the police report number is not in my file. And they don't know again about entire fraudulent activity with my account. Eventually, I submitted the detective 's contact information to the fraud department. The entire time I was feeling that nobody wants to work with me to resolve this issue, I was never contacted, I had to call and email all the time trying to find out what is an update on my case. Today on XX/XX/XXXX tenth day of investigation I called the fraud department and was told that my claim was denied. They also said that I need to go to the branch to view the photos of the person who was using my card. I do not understand why my claim was denied, I have nothing to do with any of the transactions with my account, I have never had possession of this card. I requested my claim to be reopen and {$10000.00} to be credited to my account. The bank also refused to provide me with the credit during the time of investigation.
Company Response:
State: CA
Zip: 95050
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a ( new ) joint Premier Savings Account at the HSBC Bank branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX on XX/XX/2018 in response to a special invitation/promotion. According to the terms of the promotion, HSBC would deposit {$750.00} into all new accounts if the new account holder would open the account with at least {$100000.00}. The {$750.00} deposit would be made by HSBC in " approximately 8 weeks of depositing a minimum of {$100000.00} into the new account by XX/XX/2018. We deposited {$170000.00} on XX/XX/2018 thereby meeting all the terms of the promotion. I should have received the {$750.00} by 8 weeks or by XX/XX/XXXX. I have not received the {$750.00} deposit as of XX/XX/2018. I called the bank 's customer service line at the end of XX/XX/2018 and on XX/XX/2018 and was only told that there was an issue with their system, and they were not helpful. I met with Mr. XXXX XXXX, the branch manager ( Tel : XXXX ) at the end of XX/XX/2018 when he assured me that I should see the deposit within a month. Since I did not see the deposit on my next bank statement, I called Mr. XXXX on XX/XX/2018 to inquire about the status of the deposit, he told me that there was an issue with their system and therefore he could not deposit the {$750.00} as I had requested.
Company Response:
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A